Discovery I, and I am sure a plethora of your other clients find trying to deal with yourselves is an exercise in futility.

Discovery help me here, I do understand there is no logic whatsoever as to what proportion of medication or hospital amounts that you do pay, other than of course what suits you. That is besides the point, as there is absolutely nothing that can be done about it. However just to mention this so that your other clients can be aware of it. I recently sent in a claim to Discovery where they saved R76.86 because the doctors charged below the sceme rate, so of course Discovery had no problem paying that. However there were 3 items that were above the scheme rate, and so of course they charged me the difference of basically a few rand. So the only lession I can gather from this is that the specialists should make sure they know the rates and charge in accordance with that and not lesser amounts. Next point, I have to take a medication that is basically chronic and there is no generic or substitute whatsoever, however in their wisdom Discovery only pay 40% of the cost. Againthere is no logic in this whatsoever but of course no explanation is necessary as they are Discovery.